- How would you and your family pay your bills without your income?
- How long would your savings last if you were unable to work because of an illness or accident and your income stopped?
- If you were sick or injured in an accident today, would your family’s standard of living be affected?
- Could you afford to take a six-month vacation? If you can’t, do you think you could afford living through a six-month illness or injury?
- What impact would a long-term illness or injury have on your ability to save for retirement?
- You must be an active union member in good standing working 20+ hours per week to enroll and maintain coverage.
- State Availability: Coverage is now available in all states.
- 2026 Open Enrollment (Oct 1 – Nov 30): All existing members may enroll with no medical questions asked. Standard 14-day benefit waiting period applies.
- Late Enrollment & Mid-Year Changes: If you enroll outside Open Enrollment, restart coverage, or increase coverage, no proof of health is required. However, a 60-day Extended Benefit Waiting Period applies for sickness or pregnancy during your first 12 months on the plan (injuries remain subject to the standard 14-day period).
- Within 30 days of any layoff or work stoppage, and within 30 days of returning to work.
- Within 14 days of your retirement or withdrawal from the Union.
- Immediately if your bank account or credit card details change.
- Benefits will begin after 14 days for injury, sickness, or pregnancy when enrolling during Open Enrollment. This applies to both occupational and non-occupational situations.
- Benefit Amount: $1,000+ or $2,000+ Monthly Tax-Free income (paid $250 or $500 weekly)
- Benefit Period: 24 weeks
Enrollments after the 1st of the month take effect on the 1st of the following month.
Benefits will begin after 14 days. Day 1 through 14 of disability is an unpaid elimination period that is not backdated. Benefits are not guaranteed and are subject to approval of the claim by the insurance carrier.
Note 1: During the Open Enrollment Period, All Members are eligible to enroll with no medical questions asked.
Note 2: You may decrease your weekly benefit from $500 to $250, or increase it from $250 to $500, during Open Enrollment.
Note 3: All premiums are collected automatically from a Visa, Mastercard™, or checking account. The initial premium will be collected within 10 business days of your enrollment. Subsequent premiums are collected on the 15th of the month prior to the start of the next month (or next business day in case of a weekend or holiday).
Note 4: Cancellation requests must be received in writing by mail, fax, or e-mail. Cancellations will become effective on the last day of the month in which they are received.
Note 5: If you move into a new age bracket as indicated above, your premium will increase beginning the following month. As always, premiums are collected on the 15th of the preceding month.
Note 6: State Disability Insurance (SDI) is a state-mandated payroll program that provides short-term, partial wage replacement to eligible workers who cannot work due to a non-work-related illness, injury, pregnancy, or childbirth.
Basic Eligibility: You must be an active member working 20+ hours/week.
2026 Open Enrollment (Oct 1 – Nov 30): Guaranteed issue with no medical questions. Standard 14-day waiting period for claims.
Late Enrollees: No proof of health required, but subject to a 60-day Extended Benefit Waiting Period for sickness or pregnancy during your first 12 months of coverage.
Ongoing Requirements: You must inform GBA within 30 days of layoffs/returns to work, within 14 days of retirement/union withdrawal, and immediately for payment account changes.
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Contact Us
For help with Enrolling or Claims assistance, please contact Group Benefit Associates. Call Mon-Fri, 9am-5pm CST, or Email anytime.
1701 E. Lake Avenue
Suite 400
Glenview, IL 60025
Forms & Docs
The following docs are provided for your reference:
Filing A Claim
The disability income insurance claim form is composed of three separate sections that need to be completed by you, your physician, and your employer.